First National Bank of Clinton

Headquarters

107 South Second Street
Clinton, MO 64735
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.65% →
1-Year CD N.A. 0.67% →
2-Year CD N.A. 0.75% →
5-Year CD N.A. 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Bank Information

First National Bank of Clinton is an FDIC insured institution located in Clinton, MO. It was founded in 1946 and has approximately $0.08 billion in assets.

FDIC Insured Yes
FDIC Certificate # 16347
Date Established 1946
Assets $ 69.42 million
Loans $ 40.36 million
Deposits $ 69.09 million
Capital $ 6.53 million
 

For a more detailed analysis of First National Bank of Clinton's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - April 22, 2021

Your Current Location: Connecticut, CT 06828

 

Loan Rates - April 22, 2021

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for First National Bank of Clinton

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:




Featured - Connecticut 30 Year Fixed Mortgage Rates 2021

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NMLS ID: 1429243
2.602% 2.500% 1.00 $3,370 $988 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

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0.000 %
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Third Federal Savings and Loan
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2.990 %
After Intro: 3.750 %
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Note to First National Bank of Clinton
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Branches

First National Bank of Clinton branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Fairfield,Connecticut


First National Bank of Clinton Locations


Financial Details

First National Bank of Clinton Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of First National Bank of Clinton. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
First National Bank of Clinton U.S. Bank Average
17.18% 5.49%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of December 31, 2020, First National Bank of Clinton had $241,000 in non-current loans and $880,000 in owned real estate. To cover these potential losses it had $6,525,000 in equity and $0 in loans loss reserves. That gives it a Texas Ratio of 17.18%.

Return on Equity
First National Bank of Clinton U.S. Bank Average
2.29% 9.24%

First National Bank of Clinton has a Return on Equity of 2.29% versus the BestCashCow average of 9.24%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
First National Bank of Clinton U.S. Bank Average
9.4% 11.96%

First National Bank of Clinton has a Capitalization of 9.4% versus the BestCashCow average of 11.96. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

First National Bank of Clinton Balance Sheet Analysis

As of December 31, 2017, First National Bank of Clinton had assets of $75,907,000, loans of $40,360,000, and deposits of $69,086,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

December 31, 2020
ASSETS
Cash & Balances due from depository institutions $ 18.25 million
Interest-bearing balances $ 5.35 million
Total securities $ 6.31 million
Federal funds sold and reverse repurchase $ 4.45 million
Net loans and leases $ 40.36 million
Loan loss allowance N.A.
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.88 million
Goodwill and other intangibles $ 1.21 million
All other assets $ 2.78 million
     Total Assets $ 69.38 million
LIABILITIES
Total deposits $ 69.09 million
      Interest-bearing deposits $ 55.74 million
      Deposits held in domestic offices $ 69.09 million
      % insured (estimated) 86.10%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 0.30 million
      Total Liabilities $ 69.38 million
      Shareholders’ Equity $ 0.04 million

Summary Income Statement

December 31, 2020
INCOME AND EXPENSES
Total Interest Income $ 2.52 million
Total Interest Expense $ 0.20 million
Net interest income $ 2.32 million
Provision for loan and lease losses $ 0.04 million
Total non interest income $ 0.28 million
Total non interest expense $ 2.91 million
Pre-tax Net Operating Income N.A.

Bank Loan Profile?

The top three loan types in First National Bank of Clinton’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Small Business Loans.

Compared to other banks in Missouri, First National Bank of Clinton has a significantly higher percent of Small Business Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 35.43
Multifamily
Mortgages
0.82
Credit Card Loans 0.00
Consumer Auto Loans 1.47
Small Business Loans 21.53
Construction and Development Loans 5.91
Commercial Real Estate 21.64
Commercial and Industrial Loans 13.63
Farm Loans 2.82

Frequently Asked Questions About First National Bank Of Clinton

Branches and Savings

Is First National Bank Of Clinton FDIC insured?

Yes. It is covered under FDIC Certificate #16347.

Why does First National Bank Of Clinton pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are First National Bank Of Clinton CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is First National Bank Of Clinton a commercial bank?

Yes

Where are First National Bank Of Clinton locations?

See branch locations nearby.

Is First National Bank Of Clinton open on Saturdays?

Is First National Bank Of Clinton open on Sundays?

What time does First National Bank Of Clinton open?

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Are First National Bank Of Clinton ATMs Open 24/7?

Do First National Bank Of Clinton ATMs accept cash deposits?

Can First National Bank Of Clinton customers use other ATMs?

Do First National Bank Of Clinton branches have notaries?

Will First National Bank Of Clinton notarize my document?

What address for First National Bank Of Clinton should I put for incoming ACH transfers?

Will the First National Bank Of Clinton branch print checks?

Do First National Bank Of Clinton checks expire?

Does First National Bank Of Clinton require US citizenship to open account?

Can First National Bank Of Clinton close my account?

Does First National Bank Of Clinton Report to credit bureaus?

Does First National Bank Of Clinton Use Equifax?

What is First National Bank Of Clinton's ACH Routing Number?

What is First National Bank Of Clinton's SWIFT code?

Products

Does First National Bank Of Clinton offer mortgages?

Compare mortgage rates here.

Does First National Bank Of Clinton offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does First National Bank Of Clinton offer personal loans?

Compare personal loan rates here.

Does First National Bank Of Clinton offer student loans?

Will First National Bank Of Clinton cash a check?

Will First National Bank Of Clinton redeem a savings bond?

Does First National Bank Of Clinton cash savings bonds?

Will First National Bank Of Clinton cash money orders?

Can First National Bank Of Clinton issue a money order?

Does First National Bank Of Clinton do currency exchange?

Background on The Bank

Who owns First National Bank Of Clinton?

How long has First National Bank Of Clinton been around?

Can First National Bank Of Clinton transfer to other banks?

Does First National Bank Of Clinton have quick pay?

Does First National Bank Of Clinton accept rolled coins?

Will First National Bank Of Clinton accept loose change?

Where is First National Bank Of Clinton headquarters?

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